At a Glance
- Tasks: Build relationships with High-Net-Worth customers and manage mortgage applications from start to finish.
- Company: Join Alpha Bank London, a dynamic bank blending heritage with innovation.
- Benefits: Hybrid working, exposure to senior stakeholders, and opportunities for personal impact.
- Other info: Be part of a growing team focused on sustainable lending and customer success.
- Why this job: Shape the future of banking while managing complex mortgage cases.
- Qualifications: Experience in UK regulated mortgages and strong relationship management skills.
The predicted salary is between 49500 - 60500 £ per year.
Working Pattern: Hybrid (minimum 3 days in the office including Wednesday as a core day)
Reports To: Head of Home Loans & Product
About Us
We are not your run-of-the-mill bank. Founded in 1922, Alpha Bank London combines the heritage and stability of a long-established financial institution with the ambition and agility of a growing organisation. As an independently regulated UK bank within the Alpha Bank Group, we provide specialist banking services to personal and corporate customers in the UK and internationally. This is an exciting period of growth and transformation for the Bank. Alongside our established business, we are developing a new digital retail banking proposition focused on serving the Greek, Cypriot and wider diaspora communities across the UK. Backed by a strong Board, supportive shareholders and an ambitious strategy, we are investing in our future and looking for talented individuals to help shape it.
What We're Looking For
As Relationship Manager, Home Loans, you'll be the primary relationship contact for High-Net-Worth customers and approved mortgage intermediaries across our regulated residential mortgage proposition. You'll support the end-to-end journey from initial enquiry and eligibility screening through application, completion, servicing and ongoing customer support. Working within our non-advised, execution-only model, you'll provide clear and balanced information, coordinate onboarding and prepare complete case files for independent Underwriting and Credit assessment.
You will:
- Build trusted relationships with High-Net-Worth customers, approved brokers, wealth managers, family offices and professional introducers.
- Explain eligibility, documentation requirements, available products, repayment options, fees and the application process clearly and accurately.
- Operate within the Bank’s execution-only framework, maintaining a clear boundary between factual information and regulated mortgage advice.
- Complete initial eligibility screening and gather information on income, expenditure, assets, liabilities, source of wealth, source of funds and repayment strategy.
- Prepare complete and accurate case files and manage the live mortgage pipeline from enquiry through to completion.
- Coordinate customer onboarding, including identification, verification, sanctions, politically exposed person and fraud controls.
- Support broker onboarding and ongoing oversight, escalating application quality, conduct or customer-outcome concerns where required.
- Remain the primary customer contact after completion, including for servicing requests, vulnerability needs and early signs of financial difficulty.
- Work closely with Underwriting, Credit, Mortgage Operations, Financial Crime, Compliance, Legal and Risk.
- Contribute to sustainable lending and portfolio growth without compromising responsible lending, credit standards, risk appetite or good customer outcomes.
- Maintain accurate records and complete required training, competence assessments, file reviews and quality assurance activity.
What We're Looking For
We're looking for an experienced mortgage professional who can combine strong customer and intermediary relationship management with disciplined case ownership and clear regulatory judgement. We'd love to hear from you if you have:
- Demonstrable experience in UK regulated residential mortgage lending, ideally in private banking, specialist lending or High-Net-Worth mortgages.
- Experience managing High-Net-Worth customers and relationships with regulated mortgage intermediaries.
- Strong working knowledge of MCOB, responsible lending, the Consumer Duty and execution-only mortgage sales.
- A clear understanding of the boundary between factual information and regulated mortgage advice.
- Experience handling complex income, foreign income, investment assets, property portfolios, trusts or other non-standard circumstances.
- Experience preparing complete mortgage case files and working with independent Underwriting and Credit teams.
- Working knowledge of KYC, customer due diligence, source of wealth, source of funds, sanctions and politically exposed person controls.
- Knowledge of customer vulnerability, reasonable adjustments, arrears, early support and forbearance expectations.
- Excellent communication, organisation and pipeline-management skills, with strong attention to detail and record quality.
- Sound judgement, confident escalation and the ability to balance commercial goals with good customer outcomes.
- A recognised UK mortgage qualification, such as the Certificate in Mortgage Advice and Practice (CeMAP), or another qualification confirmed by the Bank as appropriate.
- Degree-level education or equivalent relevant professional experience is desirable.
The successful candidate must complete role-specific induction and must not undertake unsupervised regulated activity until competence and Fit to Trade status are formally confirmed.
Why Join Us?
At Alpha Bank London, you'll have the opportunity to make a genuine impact. Our size gives you broad exposure, visibility with senior stakeholders and the chance to help shape an important customer proposition within a growing and transforming bank. If you're looking for a role where you can build high-value customer and intermediary relationships, manage complex mortgage cases and contribute to responsible, sustainable growth, we'd love to hear from you. Read to mark your mark? Let's do it. Together.
Relationship Manager, Home Loans in London employer: Alpha Bank London Limited
At Alpha Bank London, we pride ourselves on being more than just a bank; we are a community that values each individual for their unique contributions. Our hybrid work culture fosters collaboration and innovation, allowing you to connect with diverse colleagues while enjoying the flexibility of remote work. With a strong focus on employee growth and empowerment, you'll have the opportunity to enhance your skills and make a meaningful impact in a supportive environment that prioritises both professional excellence and personal well-being.
StudySmarter Expert Advice🤫
We think this is how you could land Relationship Manager, Home Loans in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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Don’t shy away from reaching out directly to firms like Alpha Bank London Limited. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Relationship Manager, Home Loans in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Alpha Bank London Limited.
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How to prepare for a job interview at Alpha Bank London Limited
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Alpha Bank London Limited.
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✨Show Your Passion for Finance
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✨Network with Industry Professionals
Before your interview, reach out to current or former Alpha Bank London Limited employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
